The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$57,315
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$59,098
−HK$1,811/mo
Today · 4.125%
HK$60,909
baseline
▲ 0.50% · 4.625%
HK$64,615
+HK$3,706/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$121,818/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,762
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$65,472
−HK$1,735/mo
Today · 4.125%
HK$67,207
baseline
▲ 0.50% · 4.625%
HK$70,750
+HK$3,543/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$134,414/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,778
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$70,917
−HK$2,174/mo
Today · 4.125%
HK$73,091
baseline
▲ 0.50% · 4.625%
HK$77,538
+HK$4,447/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$146,182/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,515
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$78,567
−HK$2,082/mo
Today · 4.125%
HK$80,649
baseline
▲ 0.50% · 4.625%
HK$84,900
+HK$4,251/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$161,298/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,241
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$82,737
−HK$2,536/mo
Today · 4.125%
HK$85,273
baseline
▲ 0.50% · 4.625%
HK$90,461
+HK$5,188/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$170,546/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,267
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$91,661
−HK$2,429/mo
Today · 4.125%
HK$94,090
baseline
▲ 0.50% · 4.625%
HK$99,050
+HK$4,960/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$188,180/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,167
−HK$6,469/mo
▼ 0.25% · 3.875%
HK$106,376
−HK$3,260/mo
Today · 4.125%
HK$109,636
baseline
▲ 0.50% · 4.625%
HK$116,307
+HK$6,671/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$219,272/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,772
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$117,850
−HK$3,123/mo
Today · 4.125%
HK$120,973
baseline
▲ 0.50% · 4.625%
HK$127,350
+HK$6,377/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$241,946/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,251 · Scale 2, in force from 26 Feb 2026)